0 PINE STREET, ST CLOUD, FL, 34771
Active7 days on marketListed Sep 16, 2026MLS #O6442201
About this home
0 PINE STREET
Rare opportunity to own over a half-acre consisting of two adjacent parcels in a desirable, established Saint Cloud neighborhood. Framed by mature oak trees and offering scenic views of Alligator Lake, this unique property presents endless possibilities for your future plans. Build your custom dream home with plenty of room to enjoy, or explore the potential for two homesites, subject to buyer verification with the Osceola County Building Department. Conveniently located just minutes from Downtown Saint Cloud, lake access, parks, dining, shopping, and outdoor recreation, with easy access to SR-192 and the Florida Turnpike. Sale includes both parcels: PID #10-26-31-5030-000D-0010 and PID #10-26-31-5030-000D-0030. Don't miss this rare opportunity to secure a spacious property with lake views in one of Saint Cloud's most sought-after locations.
Facts & features
The home at a glance
0.51 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,734 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,734/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$412K → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 42% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 0 PINE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$230,000
2184 JAMES DRIVE
3 bd · 1.5 ba · 965 sqft · $238/sqft · 128 DOM
Sold · Aug ’26$166,000
2054 BRADLEY DRIVE
2 bd · 2 ba · 1,104 sqft · $150/sqft · 209 DOM
Sold · Dec ’25$316,500
2225 BARBARA DRIVE
3 bd · 2 ba · 1,222 sqft · $259/sqft · 18 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 0 PINE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 0 PINE STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
0 PINE STREET FAQs
What would the monthly payment be for 0 PINE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,734/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 0 PINE STREET?+
The most recent tax bill on record (2025) was $661. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 0 PINE STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $240,000, this home is listed about 44% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 0 PINE STREET?+
Harmony Community School (elementary), Harmony High School (high), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST CLOUD 34771 market on paper
$240,000 is 42% below the ST CLOUD 34771 median of $416,250.
02Fresh on the market
Only 7 days on market in a St Cloud market that averages 47 — if it fits, move quickly.
03Strong assigned schools
Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICES RESULTS REALTY · Joseph Doher. MLS #O6442201.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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